Expertise.com

2024

Last updated:

Best Life Insurance Companies in Columbus

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbus Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

8908Reviewed

5349Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
531 Veterans Parkway, Columbus, GA 31901
  • Life Insurance
  • Health Insurance

Why choose this provider?

James Gant is a State Farm agent that delivers insurance solutions to clients in Columbus and the neighboring communities. An agent for the company since 1983, Gant offers policies that include term, whole, and universal life insurance. He responds to his clients' requests for a change in policy and gives options for life insurance coverages for small businesses. In addition, he assists his customers in acquiring home and property insurance plans to protect their personal articles, homes, rental properties, farms, and ranches.

License Verified:

License: 284440

Georgia office of Insurance and Safety Fire Commissioner

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4131 Carmichael Road, Columbus, GA 36106
  • Life Insurance
  • Health Insurance

Why choose this provider?

Harmon Dennis Bradshaw, Inc. is an independent insurance brokerage and risk management firm serving clients in Columbus. It provides personal insurance policies like individual life insurance, individual dental and vision insurance, long-term care insurance, long-term disability insurance, and umbrella insurance. The company also offers business coverages including general liability insurance, employment practice liability insurance, commercial property insurance, and workers’ compensation insurance. Harmon Dennis Bradshaw, Inc. has been delivering insurance solutions for more than 40 years.

License Verified:

License: 101873

Georgia office of Insurance and Safety Fire Commissioner

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2105 Broad Ave Suite A, Lanett, AL 36863

Why choose this provider?

Donny Holley provides life insurance products to the residents of Columbus. Holley and his team guides individuals in choosing coverages according to their needs such as paying off debt, a child's education, or a mortgage. They also inform shoppers about their options that include universal, whole, and term life policies. In addition, the agency offers home, auto, business, and health indemnity products. Other offers of the agency include banking products and mutual funds. Holley has been a State Farm agent for 40 years.

License Verified:

License: 3476215

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6310 Bradley Park Drive, Columbus, GA 31904
  • Life Insurance

Why choose this provider?

Hutchinson Traylor is an independent insurance agency serving clients in the Columbus area. The business has over 100 years of industry experience, providing various life insurance coverage, such as term and whole life. It also received the Best Practices Agency Award six years in a row from the Independent Insurance Agents & Brokers of America. Additionally, the business has partnered with Webber & Associates Insurance in 2019. Hutchinson Traylor also represents numerous carriers, including AmTrust, CNA, Nationwide, Progressive, and Liberty Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (21)
Facebook
3.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
451 Columbus Parkway, Opelika, AL 36801
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Serving Columbus, Alabama Insurers, Inc provides an array of insurance solutions to clients in the metro. It offers life insurance plans such as term life insurance and permanent life insurance. The company also has other insurance service options including home insurance, mobile home insurance, auto insurance, motorcycle insurance, and boat insurance. Alabama Insurers, Inc was established over 30 years ago by James "Tony" Rogers. It has a strong focus on helping customers understand the insurance industry.

License Verified:

License: 194204

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
311 Broome Street, LaGrange, GA 30240
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mable Smith Sharp is a long-standing State Farm Insurance Agent with more than 32 years of industry experience. Servicing the Columbus area, she assists clients with selecting the most suitable insurance policy for their specific needs and goals, with the most common types of life insurance being term, whole, and universal life insurance. She also offers a wide array of other insurance policies for individuals, families, and businesses including homeowners, renters, businesses, and health insurance.

License Verified:

License: 881915

Georgia office of Insurance and Safety Fire Commissioner

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5964 Veterans Parkway, Columbus, GA 31909
  • Life Insurance

Why choose this provider?

Founded by Megan Weldon in 2005, Proverb Insurance is an independent agency in Columbus helping clients secure home, auto, and life insurance plans. It is a team of experienced agents endorsed by Dave Ramsey as a local agency for personal lines insurance. Its personal insurance services can help in protecting properties like ATVs, boats, and condos. On the other hand, its commercial plans can cover business firms, churches, bonds, workers' compensation, contractors, and commercial autos.

License Verified:

License: 184590

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (167)
Facebook
5.0 / 5 (51)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4191 Milgen Road, Columbus, GA 31907
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Woodmen Life is a not-for-profit life insurance agency that has been serving Columbus since 1890. Its local representatives help individuals and families secure future financial protection through term, universal, and whole life policies. The company also offers annuities, retirement plans, and other insurance products, such as second-to-die life insurance, individual medical insurance, and group benefits. Woodmen Life is a member of the American Fraternal Alliance. It won first place for three consecutive years in Omaha Magazine's Best of Omaha competition.

License Verified:

License: 609205

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (61)
Google
3.0 / 5 (3)

Website
5734 Windsor Drive, Columbus, GA 31909
  • Life Insurance

Why choose this provider?

Tony Knight Agency LLC is a locally owned insurance firm that serves the Columbus area. Its team of professionals offers term and permanent life insurance policy options to provide coverage based on each family's situation and financial objectives. Home, auto, motorcycle, and business packages are also available. Tony Knight Agency has over 30 years of experience in protecting families and businesses in the local community. It aims to deliver old-fashioned and friendly service that treats each client like a member of its family.

License Verified:

License: 151882

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (28)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1621 Broad Street, Phenix City, AL 36867
  • Life Insurance

Why choose this provider?

Flowers Insurance Agency has been providing life insurance products and services to clients in Columbus and the surrounding communities for more than 60 years. The family-owned independent insurance agency offers comprehensive term and universal life insurance policies. Under personal insurance, the company also handles coverage for homes, boats, automobiles, classic cars, and recreational vehicles. Flowers Insurance Agency is also available for commercial insurance plans. These include asset and lawsuit protection, such as workers' compensation, liquor liability, cyber liability, and employee benefits.

License Verified:

License: 704513

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3902 Hamilton Road, Columbus, GA 31904
  • Life Insurance

Why choose this provider?

Capparelle's Insurance is a local independent insurance agency catering to clients in the Columbus area since 1983. It has access to a number of life insurance options through multiple insurance companies to find what fits the clients' needs. It provides auto insurance policy that covers the minimum requirement. Capparelle's Insurance also has a Progressive Home Advantage plan for home and condos. It also provides renters' insurance. Additionally, it offers products to cover commercial vehicles and general business liabilities.

License Verified:

License: 70554

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (84)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5510 Veterans Parkway, Columbus, GA 31904
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Culpepper Insurance Agency is an independent insurance agency in Columbus that offers insurance solutions and products to clients in the metro. The company specializes in personal and business lines and carries over 20 insurance providers for its products. Some of its life insurance products include term life insurance, permanent life insurance, and universal life insurance. It also offers niche products such as policies covering burials, guarantee issue whole, and simplified issue whole. It also offers policies for business owners and renters.

License Verified:

License: 97540

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (12)
Facebook
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Can life insurance claims be denied if a policyholder has died of suicide in Columbus?

    Life insurance claims can be denied if a policyholder has died of suicide in Columbus. Most providers have a clause that allows them to deny suicidal death claims within the first two years of the policy's effective date. Insurance requests made after that period are accepted by carriers, allowing beneficiaries to collect death benefit payments.

  • Can Columbus residents submit an appeal if their life insurance claims are rejected?

    Columbus residents can submit an appeal if their life insurance claims are rejected. Beneficiaries who want to start the appeals process should contact their providers and present collected evidence, from medical documents to insurance payment receipts. They can also call the Georgia Department of Insurance for help at (404) 656-2070.

  • What factors should be considered when selecting a life insurance coverage amount in Columbus?

    Those purchasing life insurance coverage in Columbus should schedule a needs analysis consultation with their provider. During this session, an insurance agent will help an individual select a coverage amount based on different factors, such as future earning potential, amount of debt, and number of dependents. They also provide recommendations that can protect beneficiaries from inflation risks.

  • Why should Columbus-based individuals purchase permanent life insurance?

    Columbus-based individuals should purchase permanent life insurance since it doesn't expire. This implies that a policyholder can be covered for most of their life. This insurance policy can also build interest over time because it has a cash value, allowing individuals to withdraw money when needed. Yet, it can also be costly compared to term life policies.

  • What is the average cost of a life insurance policy in Columbus?

    Most life insurance policyholders in Columbus pay an average premium amount of $630 each year. However, individuals can have lower insurance costs by utilizing policy discounts. Those who bundle multiple policies, like auto and life insurance, can be given a low premium rate. Policyholders should also compare quotes from different providers and choose one that fits their financial situation.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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